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��14�75�� 4g3 The �ndex Beginning with the f�rst Chang� Date, my �nterest rate w��f �e bas�d �n an Index. The "Index�' is: Treasury Constant Maturi ty 1 Y�ar The most recent Ind�x figure a�ailabf� as of the date: � 45 day� � befor� each �hange Date �s called the "Current �n�ex." �f the �nd�x �s na ��nger a�a�lab�e, the Note Ho�der wi�l chaase a new Index that is based upon cc�mparab[e infarmatian. The Nate Ho�der wil[ gi�e me notice of th�s choice. �C� Ca�cu�ativn of Ghanges B�fore each Change ❑ate, the Note Ho�der w��1 ca�culat� my nevu �nterest rate by adding �a ANo �ao�lao� percentage paints � �.500 °/o� to the �urrent �ndex. The Nvte Hvlder wi�l then round the resu�t of this addition ta the � Nearest 0 Next �ighest � Next Lvvvest � o.s��a� ��o�. �u��eGt ta the limits stated in �ectian 4{D} helow, this rounded amount wi�� be my new �nte�est rate until the next Change Dat�. [�The Note Halder wi�l then determine th� amount of th� rr�anthly payment that would he sufficient ta r�pay the unpa�d principal I am expected t� owe at the C�an�e Date in ful� on the Maturity Date at my new interest rate in substant�a�ly equa� payments. �'h� result of th�s calcufatifln wi�� be th� new amount vf my mo�thly payment. � �nterest-Dn�y Period The "Intere�t-�nly Pe�iod" �s the per�od from the date vf this Note thraugh . Fvr the interest-on�y period, after ca�cu�ating my new inter�st rate as prv�ided aba�el the Nvte Hold�r wi�l t�en determine the amount of the month�y payment that wou�d be suff�c�ent to pay the inter�st which accrues an the unpaid principal �f my �van. The result of th�s calculat�on will be th� new amount of my mvnth�y payment. The ='Amvrti�ation Pe�iod" is the p�rivd after the interest-an�y p�r�od. For the amartizatian periad, after calcu�ating my new int�rest rate as pro�ided abv�e, th� Nate Hv�de� wil� then determine the amaunt vf the manth�y payr-nent that wou�d be suffrc�ent to repay the unpaid �rincipa! that I am �xpected to vwe at the Change Date in full on the Maturity Date at my new interest rate in substantia[ly equa� paym�nts. The resu�t of this ca��u�at��n wi�i be the n�w amvunt af my monthly payment. � .- ln�tials�"..,� �'��n � S99R ��51�� F'age 2 of 5 ��' , � � �r�:. . � � o _.